\begin{table}[htbp]\centering
\def\sym#1{\ifmmode^{#1}\else\(^{#1}\)\fi}
\caption{Effect of Securing a Loan with Digital Collateral on Loan Repayment and Loan Completion\label{LASMH\_repay\_ITT\_100}}
\begin{tabular}{l*{3}{c}}
\toprule
                    &\multicolumn{1}{c}{(1)}&\multicolumn{1}{c}{(2)}&\multicolumn{1}{c}{(3)}\\
                    &\multicolumn{1}{c}{Secured Treatment}&\multicolumn{1}{c}{Selection Effect}&\multicolumn{1}{c}{Moral Hazard Effect}\\
\midrule
Subsample treatment &        0.12\sym{***}&        0.04         &        0.08\sym{**} \\
                    &      (0.03)         &      (0.03)         &      (0.03)         \\
\midrule
Observations        &         655         &         814         &         593         \\
\bottomrule
\end{tabular}
\end{table}
